Wholesale Rate Sheet

Rates as of 6/4/15 8:34 AM

Announcements Rate Sheet Index

FNMA (Gold) Pg. 2
FHLMC (Standard) Pg. 3 & 4
Check out our 50 bps purchase special to RATE on Jumbo LPMI Adjustments Pg. 5
Portfolio 5/1 Arm - page 10 of the rate sheet!!!! Jumbo Fixed & ARM's Pg. 6 - 8
High Balance purchase special -0.25. FHA Pg. 9
New Change for NOO > 4 financed properties: Jumbo Portfolio 5/1 Arm Pg. 10
* Any new submissions beginning Monday, February 9, 2014 AE Contact Info Pg. 11
with NOO > 4 financed props will have a 0.50 LLPA
* We now offer 3.99% rate option on Conforming and High Bal!
* We lowered our extension fees for GOLD and Standard (see below)
* Relock WCP fees are now 0.25
* NOO >4 and up to 6 financed properties cash out ok!!
- See (FHLMC page 4 - must be LP approved)
* Non- QM Jumbo - Pg. 7
* New LPMI Adjustments - Pg. 5
* Great Jumbo 5/1, 7/1, & 10/1 Arm Pricing - Pg. 6

Lock Extension Fees & Notes: Submissions Desk: submissions@fremontbank.com

Minimum Loan amount $125,000 for all terms and products Locks Desk: locks@fremontbank.com

GOLD & Standard: 1st extension 0.015/day - 20 day max; 2nd extension is 0.03/day - 10 day max; Max 2 extensions

Send request on lock form to locks@fremontbank.com before 3:30PM PT on day of expiration. Advanced Locks and Same Day Submission cutoff time is 2:00PM PST.

All Jumbo extensions & Locks: 5 days + 0.10; 10 days + 0.20; 15 days + 0.30; 20 days +0.40; 30 days (MAX) 0.60 Signed Documents sent back to Livermore Loan Center

Send request on lock form to locks@fremontbank.com before 2:00PM PT on day of expiration. 2580B Shea Center Drive, Livermore, CA 94551

No relocks allowed on any JUMBO program. 2:00PM cutoff for new locks *Total Fees: $975; Document redraw fee: $50

All FHA extensions: 0.02/day - 30 day max. *FHA fees: $495

All FHA relocks: 36bps/ 15days; 66bps/ 30days - 30 day max.

FNMA - Gold Only (Niche) Scenarios: Loss Payee Clause: CPL: Fremont Bank

* Using 2nd job income @ job < 2 Yrs but > 1 Yr Fremont Bank 39150 Fremont Blvd.

* > 6 financed properties when subject is investment or 2nd home ISAOA Fremont, CA 94538

* C5 appraisal condition rating P.O. Box 7295

* N/O/O High Balance Fremont, CA 94537

FHLMC - Standard Only (Niche) Scenarios: See lock policy for relock, advanced lock, & changing program details.
* Non-Occupant Co-Borrower when income is used to qualify For rate lock policy click on: Lock Policy
* Unpermitted Accessory Unit For underwriting guidelines click on: Guidelines

* DTI > 45% + LP Approval Pricing subject to change without notice - NO OFF SHEET PRICING

* Debt to be paid off to qualify that cannot be closed

* 2-4 Unit properties with LTVs from 75.01% - 80%

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.
Please refer to our website or contact us for current information.

1 Announcements
 Rates as of 6/4/15 8:34 AM

FNMA (GOLD): Conforming & High Balance Fixed Rate First Mortgages - DU only underwriting
Plan 670 30 Year Fixed Rate Conf Plan 670 20 Year Fixed Rate Conf Plan 670 15 Year Fixed Rate Conf
Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day
3.500 1.912 2.102 2.232 3.250 1.955 2.135 2.265 2.625 1.218 1.358 1.448
3.625 0.824 1.014 1.144 3.375 1.140 1.320 1.450 2.750 0.754 0.894 0.984
3.750 (0.073) 0.107 0.247 3.500 0.265 0.455 0.585 2.875 0.146 0.286 0.386
3.875 (0.640) (0.460) (0.330) 3.625 (0.533) (0.343) (0.213) 3.000 (0.636) (0.496) (0.406)
3.990 (1.599) (1.419) (1.279) 3.750 (1.258) (1.078) (0.948) 3.125 (1.281) (1.141) (1.051)
4.000 (1.679) (1.499) (1.359) 3.875 (1.750) (1.570) (1.430) 3.250 (1.706) (1.566) (1.466)
4.125 (2.607) (2.417) (2.287) 4.000 (2.453) (2.273) (2.133) 3.375 (2.253) (2.113) (2.023)
4.250 (3.397) (3.207) (3.077) 4.125 (3.231) (3.051) (2.911) 3.500 (2.931) (2.791) (2.701)
4.375 (3.885) (3.705) (3.575) 4.250 (4.068) (3.878) (3.748) 3.625 (3.500) (3.350) (3.260)
4.500 (4.384) (4.204) (4.074) 4.375 (4.839) (4.649) (4.519) 3.750 (3.858) (3.718) (3.618)
4.625 (5.193) (5.013) (4.873) 4.500 (5.544) (5.364) (5.224) 3.875 (4.127) (3.987) (3.897)
4.750 (5.904) (5.724) (5.594) 4.625 (6.259) (6.079) (5.939) 4.000 (4.722) (4.572) (4.482)
Plan 671 30 Year High Balance Fixed Rate Plan 671 15 Year High Balance Fixed Rate Plan 670 10 Year Fixed Rate Conf
Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day
3.625 1.860 2.100 2.230 2.875 1.413 1.643 1.773 2.625 0.503 0.683 0.813
3.750 0.992 1.222 1.352 3.000 1.081 1.311 1.451 2.750 0.124 0.314 0.444
3.875 0.505 0.735 0.865 3.125 0.896 1.126 1.266 2.875 (0.450) (0.260) (0.130)
3.990 (0.154) 0.076 0.206 3.250 0.351 0.581 0.711 3.000 (1.115) (0.935) (0.795)
4.000 (0.234) (0.004) 0.126 3.375 (0.166) 0.064 0.204 3.125 (1.658) (1.478) (1.348)
4.125 (1.162) (0.932) (0.802) 3.500 (0.404) (0.174) (0.034) 3.250 (2.002) (1.812) (1.682)
4.250 (1.931) (1.691) (1.561) 3.625 (0.653) (0.423) (0.293) 3.375 (2.390) (2.200) (2.070)
4.375 (2.360) (2.130) (1.990) 3.750 (1.241) (1.011) (0.881) 3.500 (2.978) (2.798) (2.668)
4.500 (2.588) (2.358) (2.228) 3.875 (1.670) (1.440) (1.310) 3.625 (3.461) (3.281) (3.141)
4.625 (2.967) (2.737) (2.607) 4.000 (1.855) (1.615) (1.485) 3.750 (3.749) (3.569) (3.439)
4.750 (3.669) (3.429) (3.299) 4.125 #N/A #N/A #N/A 3.875 (4.242) (4.062) (3.932)
4.875 (4.055) (3.825) (3.695) 4.250 #N/A #N/A #N/A 4.000 (4.759) (4.569) (4.439)

FNMA (GOLD): Conforming & High Balance LLPA's - DU only underwriting

All Eligible Mortgage FICO & LTV LLPAs for loans with terms > than 15 yrs -- Add to Price
FICO / LTV <= 60% 60.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95%
> 740 (0.250) 0.000 0.000 0.250 0.250 0.250 0.250
720 - 739 (0.250) 0.000 0.250 0.500 0.500 0.500 0.500
700 - 719 (0.250) 0.500 0.750 1.000 1.000 1.000 1.000
680 - 699 0.000 0.500 1.250 1.750 1.500 1.250 1.250
660 - 679 0.000 1.000 2.000 2.500 2.750 2.250 2.250
640 - 659 0.500 1.250 2.500 3.000 3.250 2.750 2.750
620 - 639 0.500 1.500 3.000 3.000 3.250 3.250 3.250
< 620 * 0.500 1.500 3.000 3.000 3.250 3.250 3.250
* A minimum required credit score of 620 applies to all mortgage loans delivered to FNMA in accordance with the Selling Guide.
All Eligible Mortgage Cash Out Refis LLPAs for All Loans -- Add to Price
FICO / LTV <= 60% 60.01 - 70% 70.01 - 75% 75.01 - 80%
> 740 0.000 0.250 0.250 0.500
720 - 739 0.000 0.625 0.625 0.750
700 - 719 0.000 0.625 0.625 0.750
680 - 699 0.000 0.750 0.750 1.375
660 - 679 0.250 0.750 0.750 1.500
640 - 659 0.250 1.250 1.250 2.250
620 - 639 0.250 1.250 1.250 2.750
< 620 * 1.250 2.250 2.250 2.750
All Eligible Mortgage LLPAs (excluding MCM) -- Apply to All Credit Scores -- Add to Price
Product Feature <= 60% 60.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95%
High LTV 0.000 0.000 0.000 0.000 0.000 0.000 0.000
Investment Property 1.750 1.750 1.750 3.000 3.750 N/A N/A
> 4 Financed Properties 0.500 0.500 0.500 0.500 0.500 0.500 0.500
2 - Unit 1.000 1.000 1.000 1.000 1.000 N/A N/A
3 - 4 Unit 1.000 1.000 1.000 N/A N/A N/A N/A
Condo w/ Term > 15 Year 0.000 0.000 0.000 0.750 0.750 0.750 0.750
Additional LLPAs -- Apply to credit scores for High Balance FRM -- Add to Price
Product Feature <= 60% 60.01 - 70% 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95%
High Balance Cash-out 1.000 N/A N/A N/A N/A N/A N/A
High Balance Purchase -0.250 -0.25 -0.25 -0.25 -0.25 -0.25 -0.25
(1) High Balance Mortgage Loan LLPA's are in addition to All Eligible Mortgage LLPA's above
Mortgages with Subordinate Financing -- Add to Price
FICO scores
LTV CLTV < 720 >= 720
< 65% 80.01 - 95% 0.500 0.250
65.01 - 75% 80.01 - 95% 0.750 0.500
75.01 - 95% 90.01 - 95% 1.000 0.750
75.01 - 90% 75.01 - 90% 1.000 0.750
< 95% 95.01 - 97% 1.500 1.500

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.
Please refer to our website or contact us for current information.
2 (FNMA) Gold
 Rates as of 6/4/15 8:34 AM

FHLMC (Standard): Conforming & High Balance Fixed First Mortgages - LP Only
Plan 101 30 Year Fixed Rate Conf Plan 101 20 Year Fixed Rate Conf Plan 101 15 Year Fixed Rate Conf
Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day
3.500 1.752 1.932 2.042 3.250 1.755 1.965 2.105 2.625 1.088 1.248 1.338
3.625 0.664 0.844 0.954 3.375 0.930 1.150 1.280 2.750 0.614 0.774 0.874
3.750 (0.233) (0.053) 0.057 3.500 0.075 0.295 0.425 2.875 0.016 0.176 0.276
3.875 (0.820) (0.630) (0.500) 3.625 (0.733) (0.513) (0.373) 3.000 (0.776) (0.606) (0.506)
3.990 (1.769) (1.579) (1.449) 3.750 (1.468) (1.248) (1.108) 3.125 (1.411) (1.241) (1.141)
4.000 (1.849) (1.659) (1.529) 3.875 (1.940) (1.720) (1.580) 3.250 (1.846) (1.676) (1.576)
4.125 (2.787) (2.587) (2.457) 4.000 (2.663) (2.433) (2.283) 3.375 (2.393) (2.223) (2.123)
4.250 (3.487) (3.287) (3.157) 4.125 (3.441) (3.211) (3.061) 3.500 (3.071) (2.911) (2.801)
4.375 (4.045) (3.845) (3.715) 4.250 (4.278) (4.048) (3.888) 3.625 (3.630) (3.460) (3.350)
4.500 (4.534) (4.384) (4.274) 4.375 (5.049) (4.819) (4.659) 3.750 (4.008) (3.838) (3.728)
4.625 (5.333) (5.173) (5.073) 4.500 (5.814) (5.624) (5.494) 3.875 (4.277) (4.107) (3.997)
4.750 (6.124) (5.974) (5.864) 4.625 (6.589) (6.389) (6.259) 4.000 (4.842) (4.682) (4.582)
Plan 260 30 Year High Balance Fixed Rate Plan 260 15 Year High Balance Fixed Rate
Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day
3.625 1.960 2.200 2.330 2.875 1.513 1.743 1.873
3.750 1.092 1.322 1.452 3.000 1.181 1.411 1.551
3.875 0.605 0.835 0.965 3.125 0.996 1.226 1.366
3.990 (0.054) 0.176 0.306 3.250 0.451 0.681 0.811
4.000 (0.134) 0.096 0.226 3.375 (0.066) 0.164 0.304
4.125 (1.062) (0.832) (0.702) 3.500 (0.304) (0.074) 0.067
4.250 (1.831) (1.591) (1.461) 3.625 (0.553) (0.323) (0.193)
4.375 (2.260) (2.030) (1.890) 3.750 (1.141) (0.911) (0.781)
4.500 (2.488) (2.258) (2.128) 3.875 (1.570) (1.340) (1.210)
4.625 (2.867) (2.637) (2.507) 4.000 (1.755) (1.515) (1.385)
4.750 (3.569) (3.329) (3.199) 4.125 #N/A #N/A #N/A

FHLMC (Standard): Conforming & High Balance ARM's - LP Only

3/1 LIBOR ARM Conf 5/1 LIBOR ARM Conf 7/1 LIBOR ARM Conf 10/1 LIBOR ARM Conf
Plan 113 Plan 114 Plan 111 Plan 112
Margin 2.250 - Caps 2/2/6 Margin 2.250 - Caps 2/2/5 Margin 2.250 - Caps 5/2/5 Margin 2.250 - Caps 5/2/5
Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day
2.500 1.130 1.255 1.380 2.875 (0.480) (0.355) (0.230) 3.125 (0.470) (0.345) (0.220) 3.750 (1.040) (0.915) (0.790)
2.625 0.750 0.875 1.000 3.000 (0.960) (0.835) (0.710) 3.250 (0.970) (0.845) (0.720) 3.875 (1.350) (1.225) (1.100)
2.750 0.380 0.505 0.630 3.125 (1.250) (1.125) (1.000) 3.375 (1.320) (1.195) (1.070) 4.000 (1.770) (1.645) (1.520)
2.875 (0.020) 0.105 0.230 3.250 (1.680) (1.555) (1.430) 3.500 (1.800) (1.675) (1.550) 4.125 (1.970) (1.845) (1.720)
3.000 (0.510) (0.385) (0.260) 3.375 (1.840) (1.715) (1.590) 3.625 (2.010) (1.885) (1.760) 4.250 (2.220) (2.095) (1.970)
3.125 (0.800) (0.675) (0.550) 3.500 (2.020) (1.895) (1.770) 3.750 (2.270) (2.145) (2.020) 4.375 (2.380) (2.255) (2.130)
3.250 (1.230) (1.105) (0.980) 3.625 (2.170) (2.045) (1.920) 3.875 (2.450) (2.325) (2.200) 4.500 (2.530) (2.405) (2.280)
3.375 (1.390) (1.265) (1.140) 3.750 (2.310) (2.185) (2.060) 4.000 (2.650) (2.525) (2.400) 4.625 (2.690) (2.565) (2.440)
3.500 (1.570) (1.445) (1.320) 3.875 (2.470) (2.345) (2.220) 4.125 (2.810) (2.685) (2.560) 4.750 (2.850) (2.725) (2.600)
3.625 (1.720) (1.595) (1.470) 4.000 (2.620) (2.495) (2.370) 4.250 (2.970) (2.845) (2.720) 4.875 (3.000) (2.875) (2.750)
3.750 (1.860) (1.735) (1.610) 4.125 (2.780) (2.655) (2.530) 4.375 (3.120) (2.995) (2.870) 5.000 (3.160) (3.035) (2.910)
5/1 LIBOR ARM HB Margin 7/1 LIBOR ARM HB 10/1 LIBOR ARM HB
Plan 265 Plan 262 Plan 263 1 Yr Libor 0.74995%
2.250 - Caps 2/2/5 Margin 2.250 - Caps 5/2/5 Margin 2.250 - Caps 5/2/5
Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day
2.875 0.280 0.405 0.530 3.250 (0.200) (0.075) 0.050 3.875 (0.600) (0.475) (0.350)
3.000 (0.200) (0.075) 0.050 3.375 (0.570) (0.445) (0.320) 4.000 (1.020) (0.895) (0.770)
3.125 (0.500) (0.375) (0.250) 3.500 (1.050) (0.925) (0.800) 4.125 (1.220) (1.095) (0.970)
3.250 (0.930) (0.805) (0.680) 3.625 (1.260) (1.135) (1.010) 4.250 (1.470) (1.345) (1.220)
3.375 (1.090) (0.965) (0.840) 3.750 (1.520) (1.395) (1.270) 4.375 (1.630) (1.505) (1.380)
3.500 (1.270) (1.145) (1.020) 3.875 (1.700) (1.575) (1.450) 4.500 (1.780) (1.655) (1.530)
3.625 (1.420) (1.295) (1.170) 4.000 (1.900) (1.775) (1.650) 4.625 (1.940) (1.815) (1.690)
3.750 (1.560) (1.435) (1.310) 4.125 (2.060) (1.935) (1.810) 4.750 (2.100) (1.975) (1.850)
3.875 (1.720) (1.595) (1.470) 4.250 (2.210) (2.085) (1.960) 4.875 (2.250) (2.125) (2.000)
4.000 (1.870) (1.745) (1.620) 4.375 (2.370) (2.245) (2.120) 5.000 (2.410) (2.285) (2.160)
4.125 (2.030) (1.905) (1.780) 4.500 (2.530) (2.405) (2.280) 5.125 (2.560) (2.435) (2.310)

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.
Please refer to our website or contact us for current information.

3 (FHLMC) Standard
 Rates as of 6/4/15 8:34 AM

FHLMC (Standard): Conforming & High Balance LLPA's - LP Only

FHLMC (Standard) Reminder:
HB Fixed - No Non-Owners allowed under this program.
ARM's - Maximum number of financed properties (including the subject) for SH & INV 7/1 & 10/1 ARMs is six (6), 5/1 ARM maximum is limited to one (1)
FICO & LTV LLPAs for loans with terms > than 15 yrs -- Add to Price
LTV/FICO < 620 620-639 640-659 660 - 679 680 - 699 700 - 719 720 - 739 >= 740
<= 60% 0.500 0.500 0.500 0.000 0.000 (0.250) (0.250) (0.250)
60.01 - 70.00% 1.500 1.500 1.250 1.000 0.500 0.500 0.000 0.000
70.01 - 75.00% 3.000 3.000 2.750 2.250 1.250 0.750 0.250 0.000
75.01 - 80.00% 3.000 3.000 3.000 2.750 1.750 1.000 0.500 0.250
80.01 - 85.00% 3.250 3.250 3.250 2.750 1.500 1.000 0.500 0.250
85.01 - 90.00% 3.250 3.250 2.750 2.250 1.250 1.000 0.500 0.250
90.01 - 95.00% 3.250 3.250 2.750 2.250 1.250 1.000 0.500 0.250
Cash Out Refis LLPAs for all Loans -- Add to Price
LTV/FICO < 620 620-639 640-659 660 - 679 680 - 699 700 - 719 720 - 739 >= 740
<= 60% 1.250 0.250 0.250 0.250 0.000 0.000 0.000 0.000
60.01 - 70.00% 2.250 1.250 1.250 0.750 0.750 0.625 0.625 0.250
70.01 - 75.00% 2.250 1.250 1.250 0.750 0.750 0.625 0.625 0.250
75.01 - 80.00% 2.750 2.750 2.250 1.500 1.375 0.750 0.750 0.500
Additional LLPAs -- Apply to All Credit Scores -- Add to Price - LTV/CLTV
Product Feature <= 60% 60.01-70 70.01 - 75% 75.01 - 80% 80.01 - 85% 85.01 - 90% 90.01 - 95%
ARM 0.000 0.000 0.000 0.000 0.000 0.000 0.250
Condo 0.000 0.000 0.000 0.750 0.750 0.750 0.750
N/O/O 1.750 1.750 1.750 3.000 N/A N/A N/A
> 4 Financed Prop (a) 0.500 0.500 0.500 0.500 0.500 0.500 0.500
2-Unit 1.000 1.000 1.000 1.000 N/A N/A N/A
3-4 Unit 1.000 1.000 1.000 1.000 N/A N/A N/A
HB ARM 0.000 0.000 0.000 0.750 0.750 0.750 N/A
HB Cash Out 1.000 1.000 1.000 N/A N/A N/A N/A
HB Purchase (0.250) (0.250) (0.250) (0.250) (0.250) (0.250) (0.250)
(a) > 4 financed prop but no more than 6 financed props allowed under this program
Mortgages with Subordinate Financing -- Add to Price
FICO scores
LTV CLTV < 720 >= 720
< 65.00% 80.01 - 95.0% 0.500 0.250
65.01 - 75.00% 80.01 - 95.0% 0.750 0.500
75.01 - 95.00% 76.01 - 95.0% 1.000 0.750
< 95% > 95% 1.500 1.500

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.
Please refer to our website or contact us for current information.

4 (FHLMC) Standard llpa's

 Rates as of 6/4/15 8:34 AM

LPMI Single Premium Adjustments

Applications with LPMI will be subject to the below adjustments effective on or after September 2nd, 2014

Fixed & ARM's > 5 Years

FICO FICO FICO FICO FICO FICO FICO
Base LTV Term Coverage 760+ 740-759 720-739 680-719 660-679 640-659 620-639
> 20 Yrs 30% 1.95% 2.15% 2.23% 3.29% 4.93% 5.12% 5.79%
90.01 - 95%
< 20 Yrs 25% 1.50% 1.65% 2.06% 2.94% 4.18% 4.35% 4.91%
> 20 Yrs 25% 1.37% 1.37% 1.60% 2.17% 3.28% 3.53% 4.08%
85.01 - 90%
< 20 Yrs 12% 1.10% 1.10% 1.37% 1.54% 1.81% 1.93% 2.20%
> 20 Yrs 12% 0.95% 0.99% 1.12% 1.33% 1.54% 1.73% 1.97%
85% & Under
< 20 Yrs 6% 0.85% 0.88% 1.05% 1.19% 1.48% 1.52% 1.56%
3/1 ARM ONLY
FICO FICO FICO FICO FICO FICO FICO
Base LTV Term Coverage 760+ 740-759 720-739 680-719 660-679 640-659 620-639
> 20 Yrs 30% 2.43% 2.68% 2.89% 4.27% 6.13% 6.36% 7.20%
90.01 - 95%
< 20 Yrs 25%
> 20 Yrs 25% 1.71% 1.71% 2.12% 2.87% 4.06% 4.37% 5.05%
85.01 - 90%
< 20 Yrs 12%
> 20 Yrs 12% 1.19% 1.24% 1.33% 1.58% 1.93% 2.17% 2.47%
85% & Under
< 20 Yrs 6%
Premium Adjustments
FICO FICO FICO FICO FICO FICO FICO
Product Feature 760+ 740-759 720-739 680-719 660-679 640-659 620-639
Rate/Term Refinance 0.00% 0.00% 0.00% 0.53% 1.05% 1.05% 1.05%
Cash Out 0.50% 0.50% 0.70% 1.00% 1.30% 1.30% 1.30%
Second Home 0.25% 0.25% 0.49% 0.70% 1.23% 1.23% 1.23%
Loan Amounts > $417,000 0.40% 0.40% 0.88% 1.40% 2.10% 2.10% 2.10%
≤ 25 Year Amortization -0.18% -0.18% -0.18% -0.28% -0.39% -0.39% -0.39%
Investment Property 1.19% 1.19% 1.33% 1.75% 2.63% 2.63% 2.63%

Plans Affected:
Plan Plan Description
670 (FNMA) Gold Conforming Fixed
671 (FNMA) Gold High Balance Fixed
101 (FHLMC) Standard Conforming Fixed
260 (FHLMC) Standard High Balance Fixed
113 (FHLMC) Standard 3/1 LIBOR Conforming ARM
114 (FHLMC) Standard 5/1 LIBOR Conforming ARM
111 (FHLMC) Standard 7/1 LIBOR Conforming ARM
112 (FHLMC) Standard 10/1 LIBOR Conforming ARM
265 (FHLMC) Standard 5/1 LIBOR High Balance ARM
262 (FHLMC) Standard 7/1 LIBOR High Balance ARM
263 (FHLMC) Standard 10/1 LIBOR High Balance ARM

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.
Please refer to our website or contact us for current information.

5 LPMI
 Rates as of 6/4/15 8:34 AM

Gold Program - Jumbo Fixed Rate Mortgages APR based on LTV <=80% with no LLPA's

Plan 550 30 Year Super Jumbo Fixed Rate Plan 550 15 Year Super Jumbo Fixed Rate Max Net Rebate
Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Loan Amount 30 Yr 15 Yr
4.125 0.140 0.340 0.540 3.125 0.810 0.950 1.090 < $1,000,000 -2.125 -1.625
4.250 (0.410) (0.210) 0.000 3.250 0.360 0.490 0.640 > $1,000,000 -1.625 -1.375
4.375 (0.930) (0.720) (0.510) 3.375 (0.010) 0.120 0.270 Loan Amount 10/1 ARM 5/1 ARM 7/1 ARM
4.500 (1.360) (1.150) (0.940) 3.500 (0.370) (0.240) (0.090) < $1,000,000 -1.375 -1.000 -1.000
4.625 (1.780) (1.570) (1.360) 3.625 (0.680) (0.540) (0.390) > $1,000,000 -1.125 -0.875 -0.875
4.750 (2.190) (1.990) (1.780) 3.750 (0.940) (0.810) (0.670) ** Max YSP cannot exceed max net rebate above
4.875 (2.580) (2.380) (2.190) 3.875 (1.150) (1.010) (0.870)
5.000 (2.830) (2.630) (2.440) 4.000 (1.270) (1.140) (1.000) ** A full ALTA is required for all Gold Jumbo products
5.125 (3.110) (2.920) (2.720) 4.125 (1.460) (1.330) (1.180)
5.250 (3.370) (3.170) (2.980) 4.250 (1.650) (1.510) (1.370)
1 Yr Libor 0.74995%

Gold Program - Jumbo Arm's

5/1 LIBOR ARM Super Jumbo 10/1 LIBOR ARM Super Jumbo 7/1 LIBOR ARM Super Jumbo
Plan 553 Plan 555 Plan 554
Margin 2.250 - Caps 2/2/5 Margin 2.250 - Caps 2/2/5 Margin 2.250 - Caps 2/2/5
Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day
2.750 0.360 0.470 0.570 3.375 1.050 1.180 1.330 2.875 1.250 1.370 1.490
2.875 0.040 0.150 0.250 3.500 0.500 0.640 0.790 3.000 0.720 0.840 0.970
3.000 (0.230) (0.130) (0.020) 3.625 0.060 0.200 0.340 3.125 0.270 0.400 0.520
3.125 (0.480) (0.370) (0.280) 3.750 (0.400) (0.270) (0.120) 3.250 (0.140) (0.020) 0.100
3.250 (0.720) (0.620) (0.520) 3.875 (0.850) (0.720) (0.580) 3.375 (0.490) (0.370) (0.250)
3.375 (0.950) (0.850) (0.750) 4.000 (1.200) (1.070) (0.940) 3.500 (0.760) (0.640) (0.520)
3.500 (1.150) (1.050) (0.950) 4.125 (1.480) (1.350) (1.210) 3.625 (0.980) (0.860) (0.740)
3.625 (1.320) (1.220) (1.120) 4.250 (1.760) (1.630) (1.490) 3.750 (1.200) (1.090) (0.970)
3.750 (1.450) (1.350) (1.250) 4.375 (2.000) (1.870) (1.730) 3.875 (1.410) (1.300) (1.180)
3.875 (1.580) (1.470) (1.370) 4.500 (2.200) (2.070) (1.930) 4.000 (1.560) (1.450) (1.330)

Gold Program Jumbo LLPAs

FICO & LTV/ HCLTV LLPAs for all Loans -- Add to Price
FICO / LTV (HCLTV) <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%
700- 719 (0.125) 0.375 0.625 N/A N/A
720- 739 (0.250) 0.125 0.375 0.625 1.000
740- 759 (0.375) (0.125) 0.000 0.375 0.625
>=760 (0.500) (0.375) (0.250) 0.000 0.250
Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price
Loan Amounts <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%
<= $1,000,000 (0.250) (0.250) (0.125) 0.000 0.000
$1,000,001 - $1,500,000 (0.250) 0.000 0.125 0.250 0.375
$1,500,001 - $2,000,000 (0.125) 0.000 0.250 0.375 N/A
$2,000,001 - $2,500,000 0.000 0.125 0.250 N/A N/A
Purpose / Property & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price
Purpose / Property <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%
Cash Out 0.250 0.250 0.250 N/A N/A
2 Unit 0.250 0.250 N/A N/A N/A
2nd Home 0.125 0.250 0.375 0.750 N/A
Condo High 0.000 0.000 0.000 0.000 0.000
Purchase (0.375) (0.375) (0.375) (0.375) (0.375)
CA State Adj (30 Yr Fixed Term) (0.250) (0.250) (0.250) (0.125) 0.000
Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price
Product <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%
5/1 Arm 0.000 0.000 0.000 0.000 0.250
7/1 Arm 0.000 0.000 0.000 0.000 0.250
10/1 Arm 0.000 0.000 0.000 0.000 0.250
15 Year Fixed 0.000 0.000 0.000 0.000 0.000
30 Year Fixed 0.000 0.000 0.000 0.000 0.000
Escrow LLPAs for all Loans -- Add to Price
With Escrows (0.125)

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.
Please refer to our website or contact us for current information.

6 Gold Jumbo
 Rates as of 6/4/15 8:34 AM

Gold Plus Program - Jumbo Fixed Rate Mortgages - Non-QM APR based on LTV <=80% with no LLPA's

Plan 551 30 Year Super Jumbo Fixed Rate Max Net Rebate
Rate 15 Day 30 Day 45 Day Loan Amount 30 Yr
4.375 0.010 0.210 0.410 < $1,000,000 -2.125
4.500 (0.500) (0.300) (0.090) > $1,000,000 -1.625
4.625 (0.990) (0.780) (0.570) ** Max YSP cannot exceed max
4.750 (1.420) (1.210) (1.000) net rebate above
4.875 (1.820) (1.610) (1.400)
5.000 (2.120) (1.920) (1.720)
5.125 (2.440) (2.250) (2.050) ** A full ALTA is required for all
5.250 (2.710) (2.510) (2.320) Gold Jumbo products
5.375 (2.960) (2.760) (2.570) ** DTI up to 50%
5.500 (3.210) (3.010) (2.820) ** Loan must be approved in order
to lock

Gold Program Jumbo LLPAs

FICO & LTV/ HCLTV LLPAs for all Loans -- Add to Price
FICO / LTV (HCLTV) <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%
700- 719 (0.125) 0.375 N/A N/A N/A
720- 739 (0.250) 0.125 0.375 0.625 N/A
740- 759 (0.375) (0.125) 0.000 0.375 0.625
>=760 (0.500) (0.375) (0.250) 0.000 0.250
Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price
Loan Amounts <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%
<= $1,000,000 (0.250) (0.250) (0.125) 0.000 0.000
$1,000,001 - $1,500,000 (0.250) 0.000 0.125 0.250 N/A
$1,500,001 - $2,000,000 (0.125) 0.000 0.250 N/A N/A
$2,000,001 - $2,500,000 N/A N/A N/A N/A N/A
Purpose / Property & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price
Purpose / Property <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%
Cash Out 0.250 0.250 0.250 N/A N/A
2 Unit 0.250 0.250 N/A N/A N/A
2nd Home 0.250 0.375 0.500 N/A N/A
Condo High 0.000 0.000 0.000 0.000 0.000
Purchase (0.375) (0.375) (0.375) (0.375) (0.375)
CA State Adj 0.000 0.000 0.000 0.000 0.000
Loan Amount & LTV, CLTV (HCLTV) LLPAs for all Loans -- Add to Price
Product <= 60% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%
5/1 Arm N/A N/A N/A N/A N/A
7/1 Arm N/A N/A N/A N/A N/A
10/1 Arm N/A N/A N/A N/A N/A
15 Year Fixed N/A N/A N/A N/A N/A
30 Year Fixed 0.000 0.000 0.000 0.000 0.000
Escrow LLPAs for all Loans -- Add to Price
With Escrows (0.125)

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.
Please refer to our website or contact us for current information.

7 Gold Jumbo Plus

 Rates as of 6/4/15 8:34 AM

Platinum Program - Jumbo Fixed Rate Mortgages APR based on LTV <=80% with no LLPA's

Plan 510 30 Year Super Jumbo Fixed Rate Max Net Rebate
Rate 15 Day 30 Day 45 Day 30 Yr
Loan Amount
5.500 6.890 7.030 7.130 < $1,000,000 7.500
5.375 6.900 7.050 7.140 > $1,000,000 7.750
5.250 7.050 7.200 7.290 ** Max YSP cannot exceed
5.125 7.090 7.260 7.370 max net rebate above
5.000 7.310 7.480 7.590
4.875 7.560 7.730 7.840
4.750 7.850 8.010 8.120 ** A full ALTA is required for all
4.625 8.150 8.340 8.460 Gold Jumbo products
4.500 8.420 8.610 8.740 ** DTI up to 50%
4.375 8.760 8.940 9.070
4.250 9.150 9.340 9.470
4.125 9.590 9.810 9.960
4.000 10.100 10.320 10.460
3.875 10.720 10.930 11.080
3.750 11.300 11.520 11.670

Platinum Program - Jumbo LLPAs

FICO/LTV LLPAs (Loan Amount <= $1.0M)

FICO Range <= 60.00% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%
>= 760 -0.375 -0.250 0.000 0.125 0.250
740 - 759 -0.125 0.000 0.125 0.375 0.500
720 - 739 0.000 0.250 0.375 0.625 0.750
700 - 719 0.375 0.625 0.875 n/a n/a
FICO/LTV LLPAs (Loan Amount > $1.0M to <= $1.5M)

FICO Range <= 60.00% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%
>= 760 -0.250 -0.125 0.125 0.250 0.375
740 - 759 0.000 0.125 0.375 0.625 0.750
720 - 739 0.250 0.375 0.625 0.875 1.000
700 - 719 n/a n/a n/a n/a n/a
FICO/LTV LLPAs (Loan Amount > $1.5M to <= $2.0M)

FICO Range <= 60.00% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%
>= 760 -0.250 -0.125 0.125 n/a n/a
740 - 759 0.000 0.125 0.375 n/a n/a
720 - 739 0.250 0.375 0.625 n/a n/a
700 - 719 n/a n/a n/a n/a n/a
LLPAs by Product Feature

Product Feature <= 60.00% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%
2-Unit Property 0.000 0.250 n/a n/a n/a
Second Home 0.000 0.375 0.500 0.625 n/a
Condo 0.000 0.250 0.375 0.500 0.750
Cash Out 0.000 0.375 n/a n/a n/a
DTI Ratio (Back-End)

DTI Range <= 60.00% 60.01 - 65.00% 65.01 - 70.00% 70.01 - 75.00% 75.01 - 80.00%
< 35.00 0.000 0.000 0.000 0.000 0.000
35.00 - 39.99 0.000 0.000 0.000 0.000 0.000
40.00 - 43.00 0.000 0.000 0.000 0.250 0.375

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.
Please refer to our website or contact us for current information.

8 Platinum Jumbo
 Rates as of 6/4/15 8:34 AM

FHA Program - Conforming & High Balance Fixed Rate First Mortgages
* High Balance Loans over $417,000 need to be verified with HUD FHA mtg limits
Plan 215 30 Yr Fixed Gov - Conf. Plan 218 30 Yr Fixed Gov - High Bal
Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day
3.250 (0.100) 0.070 0.250 3.250 1.010 1.200 1.370
3.375 (0.660) (0.480) (0.300) 3.375 0.480 0.660 0.840
3.500 (1.210) (1.030) (0.850) 3.500 (0.020) 0.150 0.330
3.625 (1.750) (1.570) (1.390) 3.625 (0.500) (0.320) (0.140)
3.750 (2.920) (2.740) (2.540) 3.750 (1.400) (1.220) (1.020)
3.875 (3.460) (3.280) (3.080) 3.875 (1.870) (1.690) (1.490)
4.000 (3.990) (3.810) (3.610) 4.000 (2.290) (2.120) (1.920)
4.125 (4.450) (4.270) (4.070) 4.125 (2.620) (2.440) (2.240)
4.250 (4.850) (4.690) (4.480) 4.250 (2.210) (2.060) (1.840)
4.375 (5.350) (5.190) (4.980) 4.375 (2.570) (2.420) (2.200)
4.500 (6.530) (6.370) (6.150) 4.500 (2.880) (2.730) (2.510)
4.625 (6.070) (5.910) (5.690) 4.625 (3.140) (2.990) (2.770)
4.750 (6.780) (6.690) (6.450) 4.750 (1.230) (1.140) (0.900)
4.875 (6.960) (6.880) (6.640) 4.875 (1.470) (1.380) (1.140)
5.000 (7.070) (7.070) (7.070) 5.000 (1.620) (1.530) (1.290)

FHA Streamline Program - Conforming & High Balance Fixed Rate First Mortgages
Plan 221 30 Yr Fixed Gov - Conf. Plan 221 15 Yr Fixed Gov - Conf. Plan 222 30 Yr Fixed Gov - High Bal
Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day Rate 15 Day 30 Day 45 Day
3.250 0.000 0.170 0.350 2.750 (0.660) (0.550) (0.420) 3.250 1.110 1.300 1.470
3.375 (0.560) (0.380) (0.200) 2.875 (1.110) (0.990) (0.870) 3.375 0.580 0.760 0.940
3.500 (1.110) (0.930) (0.750) 3.000 (1.550) (1.430) (1.310) 3.500 0.070 0.250 0.430
3.625 (1.650) (1.470) (1.290) 3.125 (1.980) (1.870) (1.740) 3.625 (0.400) (0.220) (0.040)
3.750 (2.820) (2.640) (2.440) 3.250 (3.050) (2.910) (2.770) 3.750 (1.300) (1.120) (0.920)
3.875 (3.360) (3.180) (2.980) 3.375 (3.480) (3.340) (3.200) 3.875 (1.770) (1.590) (1.390)
4.000 (3.890) (3.710) (3.510) 3.500 (3.890) (3.760) (3.610) 4.000 (2.190) (2.020) (1.820)
4.125 (4.350) (4.170) (3.970) 3.625 (4.290) (4.150) (4.010) 4.125 (2.520) (2.340) (2.140)
4.250 (4.750) (4.590) (4.380) 3.750 (4.420) (4.270) (4.100) 4.250 (2.110) (1.960) (1.740)
4.375 (5.250) (5.090) (4.880) 3.875 (4.740) (4.580) (4.420) 4.375 (2.470) (2.320) (2.100)
4.500 (6.430) (6.270) (6.050) 4.000 (4.930) (4.770) (4.610) 4.500 (2.780) (2.630) (2.410)
4.625 (5.970) (5.810) (5.590) 4.625 (3.040) (2.890) (2.670)
4.750 (6.680) (6.590) (6.350) 4.750 (1.130) (1.040) (0.800)
4.875 (6.860) (6.780) (6.540) 4.875 (1.370) (1.280) (1.040)
5.000 (6.970) (6.970) (6.970) 5.000 (1.520) (1.430) (1.190)

FHA LLPAs - Applys to all FHA programs - Add to Price

FICO All Loans
720 + -0.25
680-719 0
640-679 0.5
OTHER FHA Price Adjustments - Add to Price
Purchase Loan -0.125
Refi Loan (Non Streamline) 0.125
FHA Streamline Refi 0-115% LTV 0.375
FHA Streamline Refi 115.01-135% LTV 0.75

FHA Single Family Mortgage Insurance Premiums - Upfront and Annual MIP
Terms > 15 Years Term <= 15 Years
MIP - Upfront & Annual - Effective 6-3-13 MIP - Upfront & Annual - Effective 6-3-13
Base Loan Amount LTV Annual MIP Upfront MIP Base Loan Amount LTV Annual MIP Upfront MIP
< $625,500 < 95% 0.80 1.75 < $625,500 < 95% 0.45 1.75
< $625,500 > 95% 0.85 1.75 < $625,500 > 95% 0.70 1.75
> $625,500 < 95% 1.00 1.75 > $625,500 < 95% 0.70 1.75
> $625,500 > 95% 1.05 1.75 > $625,500 > 95% 0.95 1.75

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.
Please refer to our website or contact us for current information.

9 FHA rate
 Wholesale Portfolio Ratesheet 6/4/2015
5/1 Libor Portfolio ARM (Fully Amortized Only) 1 YR LIBOR 0.7500%
PORTFOLIO PROGRAM PRICING: Primary and Second Home Residences
Program Purpose Loan Price Note Rate Margin Caps Prepay
406 R&T/CO 5/1ARM 0.000 3.250% 2.875% 5%/2%/5% NONE
406 R&T/CO 5/1ARM (1.000) 3.375% 2.875% 5%/2%/5% NONE
406 R&T/CO 5/1ARM (1.125) 3.500% 2.875% 5%/2%/5% NONE
406 R&T/CO 5/1ARM (1.250) 3.625% 2.875% 5%/2%/5% NONE

PORTFOLIO PROGRAM PRICING: Investment Property Residences

Program Purpose Loan Price Note Rate Margin Caps Prepay
406 R&T/CO 5/1ARM 0.000 3.250% 3.250% 5%/2%/5% NONE
406 R&T/CO 5/1ARM (1.000) 3.375% 3.250% 5%/2%/5% NONE
406 R&T/CO 5/1ARM (1.125) 3.500% 3.250% 5%/2%/5% NONE
406 R&T/CO 5/1ARM (1.250) 3.625% 3.250% 5%/2%/5% NONE

Lock Term is for 45 Days

RATE ADJUSTMENTS : Add to Rate Announcements:

Purchase Special (a) -0.500 Non-owner occupied non-warrantle condos are no longer accepted
Condo Adjustment 0.125
Non- Warrantable Condo (b) 0.500
Investment Adjustment 0.500
5-10 financed properties (c) 0.500
> 10 financed properties (c) 1.000
Foreign National Citizenship 1.000
(a) Purchase Specials Not Applicable for NOO Properties
(b) Non-Warrantable Condo adjustment is in addition to standard condo adjustment if applicable
(b )Non-Owner Occupied (NOO) Properties Non-Warrantable Condos are not allowed
(c) > 4 financed property adjustments do not apply if subject property is a primary residence

Loan Amount and LTV Limitations

• Fully Amortizing Option ONLY•

Occupancy LTV CLTV Loan Amount

75% 80% $100,000 to < $1,000,000

Primary 70% 75% $1,000,001 to < $1,500,000
65% 70% $1,500,001 to < $2,000,000
Second Home 75% 80% $100,000 to < $1,000,000

Investment Property 70% 70% $100,000 to < $1,000,000

RATE LOCK AND SUBMISSION REQUIREMENTS

• Loans that fit guidelines and are < $1M are lock eligible upon receipt of file submission.
• Loans > $1M or loans that require a guideline exception must have an 'Approval to Process' to be lock eligible. **
• Rate Lock Term is 45 Days - File delivery within 5 business days or Lock Subject to Cancellation.
** To receive an 'Approval to Process', send your Account Executive 1003, 1008 & Credit.
Accuracy is Critical. BE SURE to indicate retirement accounts.
MISC.
FEES: GFE Block 1 $975 FB total + broker fees, Block 3 tax $60, flood $8 Credit $16. Appraisal fees - Call for $ Matrix.
Loss Payee: Fremont Bank, Its' Successors and/or Assigns. PO Box 7295, Fremont, CA 94536

Page 1 of 1
 Rates as of 6/4/15 8:34 AM

WHOLESALE SALES TEAMS

NORTHERN CALIFORNIA

Name Contact # Email Address Region

Pat Reid 510-589-9063 pat.reid@fremontbank.com Director of Sales: Northern- Cal

ACCOUNT EXECUTIVES

Name Contact # Email Address Account Exec. Region

Mark Levitch 510-589-7043 mark.levitch@fremontbank.com Contra Costa/Alameda Co.

Royal Gooden 510-731-7855 royal.gooden@fremontbank.com East Bay

Joe Melo 510-331-1503 joe.melo@fremontbank.com South Bay/Peninsula

Ken Owens 408-390-7579 ken.owens@fremontbank.com South Bay

Mike Cook 916-943-6880 mike.cook@fremontbank.com Sacramento

Steve Armstrong 510-303-8894 Steve.Armstrong@fremontbank.com Central Coast

SOUTHERN CALIFORNIA

Name Contact # Email Address Region

Keith Stubbs 805-300-2171 keith.stubbs@fremontbank.com Director of Sales: Southern- Cal

ACCOUNT EXECUTIVES

Name Contact # Email Address Account Exec. Region

Scott Borst 714-262-1801 scott.borst@fremontbank.com Los Angeles/Orange County

Tom Bennett 949-293-6167 tom.bennett@fremontbank.com Orange County

Tim Gibbens 619-200-9504 tim.gibbens@fremontbank.com San Diego

Barbara Yobs 818-793-6650 barbara.yobs@fremontbank.com LA, Ventura & Santa Barbara

Kathy Teodoro 626-590-8831 kathy.teodoro@fremontbank.com Los Angeles/Orange County

John Chang 909-851-2938 john.chang@fremontbank.com San Gabriel, South LA/North Orange

Lisa Kocsis 949-230-8006 lisa.kocsis@fremontbank.com Orange County, LA, San Diego

Bonnie Kalem 310-614-1699 bonnie.kalem@fremontbank.com LA, Ventura & Santa Barbara

Courtney McBride 805-796-7799 Courtney.McBride@fremontbank.com LA, Ventura & Santa Barbara

Abdul Aref 949-466-6644 abdul.aref@fremontbank.com Los Angeles/Orange County

Intended for approved Mortgage Brokers use only and not for consumer use or for public distribution. The terms and programs are subject to change without notice.
Please refer to our website or contact us for current information.

11 contact info